The HDFC MoneyBack has a ₹500 annual fee (waived on ₹50,000 annual spend), earns 2 Reward Points Per ₹200 and charges a 3.5% forex markup.
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Annual fee waived | On ₹50,000 annual spend |
| Base rewards | 2 Reward Points Per ₹200 |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the HDFC Bank MoneyBack Credit Card
Is the HDFC Bank MoneyBack Credit Card worth it in 2026?
The HDFC Bank MoneyBack Credit Card offers 2 Reward Points per Rs.200 spent, with 2X points on online purchases. With a Rs.500 joining and renewal fee, which can be waived by spending Rs.50,000 annually, it is cost-effective for regular users who spend online frequently.
Who should get the HDFC Bank MoneyBack Credit Card?
This card is ideal for users who shop online regularly and want to earn rewards on everyday spending. If you spend at least Rs.50,000 annually, you can waive the Rs.500 renewal fee, making it suitable for moderate to high spenders.
How to maximise rewards on the HDFC Bank MoneyBack Credit Card?
To maximise rewards, focus on online spending to earn 2X Reward Points per Rs.200. Additionally, ensure you spend Rs.50,000 annually to waive the Rs.500 renewal fee, increasing your net benefits.
What purchases give the best value on the HDFC Bank MoneyBack Credit Card?
Online purchases provide the best value with 2X Reward Points per Rs.200 spent. Regular offline spends earn 2 Reward Points per Rs.200, but prioritising online transactions maximises your rewards.